Date Received: 2021-11-06
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: During the process im buying a plane ticket on XXXX, I was presenting an offer to apply for a XXXX American Express business and receive {$200.00} credit towards my fare. I applied and my application was approve and then I was to be presented with the new credit card number in order to purchase my ticket. The link that was supposed to show me the credit card number did not work so I called American Express to try to get the number to complete my transaction. I was told they were unable to give me the number but that I could charge it to a different American Express business credit card and they could transfer it to the correct card once I had the number when the physical card was delivered to me. That card arrived today but when I called to initiate the transfer as Id been directed, I was told Amex never does this and they would not help me. I am now out {$200.00} and feel that I was tricked into getting a credit card that did not deliver on the promotion. I have since canceled the card and would like remedy for this.
Company Response:
State: CO
Zip: 80122
Submitted Via: Web
Date Sent: 2021-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-06
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: American Express offered a XXXX point bonus for new applicants of XXXX credit cards who spent {$4000.00} in the first 6 months. This bonus offer language was on their website, all the reviews from various media, and was also the same offer listed when I logged into my individual AmEx online account. I opened a XXXX credit card account on XX/XX/XXXX, and did not see any notifications of a different offer than the one listed of {$4000.00} in spending in 6 months. I spent {$4100.00} with my AmEx XXXX card between XX/XX/XXXX and XX/XX/XXXX. I received {$170.00} as cash back rewards for some of my purchases, so I made sure that my XXXX XXXX after rewards was over {$4000.00}. When I contacted AmEx about my missing bonus, I was told that they do " dynamic offers '' and they changed my offer to 3 months of spending instead of the 6 months that was advertised. I was not notified of this change. I saved the 2 emails I received from AmEx when I opened my account on XX/XX/XXXX, and neither mention a change in the promotion that I was offered. Since XX/XX/XXXX, I have contacted AmEx several times to request the XXXX membership points. I also provided them with the offer details that I retrieved from the AmEx website and 2 of the reviews of the offer from the time period I applied to my account. I would like to receive the XXXX membership points that I should have earned.
Company Response:
State: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2021-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-06
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: on XX/XX/XXXX I NOTICED PENDING TRANSACIOTNS ON MY ACCOUNT THAT I DID NOT RECOGNIZE. I proceeded to report it to AMEX SERVE however I was told that nthere was nothing that they could do whikle the charge was still pending. On XX/XX/2021 i notified your organization ( American Express Serve, ect, ) of two charges that appeared on my account that I did not make. ( These charges and their specifics can be found in the attachments to this communication. Furthermore, in addition to not making the aforementioned charges I did not authorize, nor did I authorize another party, know of, or benefit in anyway from the transactions that were/ are in question. Despite the above facts, AMEX SERVE sent a communication to me on XX/XX/2021, indicating that they had investigated the matter and concluded that the transactions were infact authorized. Also, somewhat related to this issue ( but NOT THE SUBJECT OF THIS COMPLAINT. ) said organization sent me notice ( within moments of their email stating they completed their investigation on the unauthorized transaction. ) and this notice stated that my account was permanently suspended. No further information was given and subsequently I was locked from my account and other information. As prescribed by law, I have made demand on said organization for the materials that they used in their determination. All requests are not answered. Customer Service states that the account is permanently locked and they cant see or disclose anyhting I am not resposible nor am I suffering the lose for such transactions.
Company Response:
State: OH
Zip: 432XX
Submitted Via: Web
Date Sent: 2021-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-05
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: On XX/XX/2021 American Express sent me an email telling me that I was approved for a XXXX XXXX Card ending in XXXX. I then called American Express and asked that the card be canceled immediately. After a labor-intensive call which took time to get past the automated voice reception, then 3 successive service technicians, I was able to get the card canceled. I subsequently received an email confirming the card cancellation. However, 6 days later on the XXXX of XXXX, I received an email stating, Your new card ending in XXXX is on the way. I found this to be a problem because I had not reordered the card since I canceled it. I did not see why It was being resent. So, again I called the labor intensive American Express automated voice service and then to the technician progressive steps. This is an extremely frustrating experience for me because of the lack of compensation for the time it takes. I am an extremely busy man. I asked the service tech to again cancel card ending in XXXX. She said, it was already canceled. I then asked why am I receiving second email stating that the card is being sent. I then again requested that the card be canceled. The service tech said it needed to be forwarded to her fraud department. This is taking far too much time for me. I did not reorder the card. AME sends emails that are one way meaning, I am not able to reply to them as they say do not replay. Instead, what they demand is that I go online and log into an account and communicate at their server, then wait days for replies by visiting the online server again. This is not acceptable as it again laborious and time consuming. This is not a difficult issue. Cancel the card and do not resend it. Just that simple. Thank you.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on AMEX XXXX Balance Owed : {$2500.00} ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Company Response:
State: MI
Zip: 49441
Submitted Via: Web
Date Sent: 2021-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-05
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I had a dispute with American Express regarding a card issued to someone without my authorization. The other cardholder according to Amex had authority do so which I agree. However, Amex will not say if that person misrepresented my credentials including my social security number to obtain the card. Amex cancelled the card and I removed the person from the account. The card was also sent to an address that's not listed on the account and Amex would not divulge that information. If someone stole my identity and were to request card to another address won't I have the authority to know and being notified. Amex wouldn't answer that question. Few week later, Amex cancelled all my cards ( one personal, and two of my business cards ) citing member policy violation. I was not notified of the actions. The letter stated that I am responsible for any charges as per cardholder agreement. My personal card was subscribing to ebill through my bank and payment is made automatically two days before due date on the statement balance. The other two business cards have auto draft setup to be paid two days before due date with Amex. I have been paying Amex this way for a number of years ( personal card for 17 years ) and business cards for about 5 and 1 year respectively. I have never been late on any charges and never had any late fees or unpaid balances. Upon closing my account, my past month drafts went as usual through normal means and I was hoping that the final statement of the closed accounts would follow suit this month. However, Amex without giving any advanced notice either to pay the amounts on closed accounts immediately or make alternative payment methods as it won't send any ebill or draft money from my business accounts, all my three cards were sent to collection and I received email that my cards are overdue. This is absolutely not true. One card was scheduled to be drafted on XX/XX/XXXX by Amex was also sent for collection. I am unable to reach Amex and question their motives and why I was not notified in advance about paying the bills directly or that they won't draft it automatically. I can only see a sinister motive to ruin my credit and take making a corporate statement. My calls to AMex are sent to a voicemail once my card number is given and no would return or take my call. I have the proof of my auto draft and all my payment records. Online Amex shows that my account is still fine that there's no past overdues but still it was sent to a collection agency. I have paid all of the outstanding amounts immediately. What Amex did was totally irreprehensible and they should be held accountable for any impact on my credit due to their irresponsible actions.
Company Response:
State: NC
Zip: 28270
Submitted Via: Web
Date Sent: 2021-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-05
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: In reference to the previous complaint, # XXXX, company stated they were unable to access the video I provided that was evidentiary to my complaint. I uploaded the video to XXXX and here is the link : XXXX XXXX XXXX This should provide clear evidence that the correct link was used and that the purchase was made within the terms of the promotion.
Company Response:
State: AL
Zip: 361XX
Submitted Via: Web
Date Sent: 2021-11-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Me and my friends applied AMEX credit card, and we don't have SSN. However, except for name and age our application are the same. Result is they got XXXX credit limit and I got XXXX. I have already filed compliant for discrimination, they had never respond.
Company Response:
State: MA
Zip: 02148
Submitted Via: Web
Date Sent: 2021-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-05
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I read on my statement that my interest rates would be increasing ( 24 % ) based on my credit score. My credit score has risen to almost 700 in the past year. I have another AMEX card with a 14 % interest rate with no increase. I tried to contact the company, but they stated that they don't know why this happened and there is nothing they can do about it. The terms the credit card company and I have not changed over the last three years. This is an apparent mistake on the credit card company, and they do not want to correct it.
Company Response:
State: TX
Zip: 75104
Submitted Via: Web
Date Sent: 2021-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: American Express continues to show my account as late, as of XX/XX/2021. I have confirmation of payment in writing from them from XX/XX/2021. I have opened a dispute, but they refused to fix the errors. This has caused my credit to drop 45 points as they have it incorrectly marked as " currently late ''. They also have it marked as overdrawn/overused, but the amount I paid on XX/XX/2021 should have brought that carrying balance well below my limit.
Company Response:
State: MA
Zip: 026XX
Submitted Via: Web
Date Sent: 2021-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A